(2025) 5-4 David Carrier Show Hour 2 Podcast

Episode Transcript

Speaker 1 (00:00):
He served at the Pentagon as an army jag. He
graduated from Notre Dame and has two law degrees from
Boston University and Georgetown University. He's been practicing law for
over thirty years. He's your family's personal attorney. It's time
for the David Carrier Show.

Speaker 2 (00:20):
Hello, and welcome to the David Carrier Show. I'm David Carrier,
your family's personal attorney. Now is the time retirement law specialist.
Why do we say retirement law. Well, well, we don't
want to call it dead person law, do we know?
But that is what a state planning is. You know,
you understand estate planning. What's your state that's the leftover

(00:40):
is when you're pushing up daisies, you know, when you've
reached room temperature. What do we do with the what
do we do with all them leftovers? Well, the answer
is a state planning, right, otherwise the state gets to decide.
So kind of works in a couple of different ways there.
But fortunately you're not dead yet. We're still on slugging

(01:01):
out our slugging out the battle on this side of
the Great Divide, right, We're still doing our doing our
thying as if it mattered of course it matters matters
to a lot of people what you do with your life.
It's it is significant, it has meaning, come on, and
the question is how do we make sure it has

(01:24):
really as much meaning, as much significance, as much purpose
as you have earned. It's very sad, you know, you
see some people who who don't understand, really don't understand
just how important they are in the great in the
great thing. You know, nobody people say that. Isn't that

(01:44):
amazing that people would would actually say that. They think
they don't have impact. They think they don't they think
they don't matter, And it's it's unfortunate, that's what it is.
It's very unfortunate. But the fact of the matter is that
you can have as much impact, you know, throughout your
lifetime as you decide you're going to have. That's it

(02:04):
seems to me to be reality. And rather than worry exclusively,
I mean, you need to know what's going to happen.
You don't want to leave a mess, right, I mean
you don't want you know, oh poor Bob, you know,
oh poor Sally. You know they you know, they they
really thought they had it together, but oh what a
mess when they left right, Well, yeah, you don't want that.

(02:28):
You don't want to be remembered as as a cautionary tale,
you know. And and the worst of those is when
the worst, in my opinion, the most when you say
pathetic cases are people who actually lived very faithful, remarkable

(02:48):
what do you want to say, authentic lives? You know
what I mean? I mean, it's like it's like some
of the people that you know, and you may not think,
oh they're gonna you know, they're not the ring leader
of the circus or you know, they're not going to
be Mount Rushmore or anything, but they lived lives of
quiet dedication, of unassuming nobility, of faithfulness, right faithfulness. And

(03:19):
you know, I mean think of the people who artists
tend to look down their nose and then lintelectuals. It'll
lead people, you know, look down their nose at Those
are the people who obviously keep it seems obvious to me,
you know, keep everything going, keep the institutions moving, keep
us maintain the faith that we do have in the

(03:41):
in the future, right, Who aren't just like, oh everything goes,
nothing matters like that. So anyway, it's good. Not when
you've lived a life like that, it's good not to
leave a mess because it tends to call into question
the way you did it. Oh, you know, Sally thought
she was such a good luck at the mask, you know,

(04:02):
and believe me, there are people out there who are
just waiting for you to stub your toe and go
in that direction. You know what I mean. The boo
birds are out there, you know what I'm saying. Anyway,
But that's not even so. You don't want to mess
that up. Yeah, you don't want to do that. But
in my opinion, more importantly is how you continue this

(04:26):
phase of life. That's why we call it the retirement part.
You know how to do the work part, you know
how to do the parenting part, you know how to
do the day to day living part. The question is
when the world changes, when they shake the box, you know,
when the box gets shaken, how do the new pieces
fall in? Right? And you can influence that. You can

(04:49):
have a lot to say despite what many people would
want you to say. You know a lot of people think, ooh,
you're retired. Now plug you in this box right or
plug you into this and we don't need to listen
to you anymore. We don't see anymore see a lighter
by which is unfortunate and unfortunately again people fall into that,

(05:11):
you know, they tend to some people tend to accept that. Well,
you don't have to accept that. You know, your life,
this retirement part of the life. Your life can have
just as much significance and sometimes more. One of the
things my father often told me was, oh, you know,
don't ever quit. It's terrible. You don't count anymore. I mean,

(05:32):
that's how he felt about. He was a school teacher
and whatnot. And of course this was thirty years he's
telling me this thirty years after he retired, right, because
he didn't retire from he retired to something. I mean,
he was he did. He was so active and mom too,

(05:52):
you know, so many things that they were involved in doing,
et cetera. What he was talking about was, you know,
once he got to his nineties, you know, he wasn't
counting the money at church anymore. Well, late nineties, you know,
he wasn't counting the collection, or he wasn't he wasn't
you know, organizing the events and you know what I

(06:12):
mean that kind of thing. He wasn't as involved as
he had been. And and it's that part of life right,
that retirement part of life that is so important. It's
not like you. It's not like anybody works thirty years
to watch TV. Now I do know people who work
thirty years and sometimes less to go golf the rest

(06:34):
of the There's a fellow I know who an attorney
actually who he's a greens keeper. Why is a greenskeeper?
He didn't have to be a greenskeeper. He wants to
be a greenskeeper. Why? Because he loves golf. I always
love golf, you know. And now that's his retirement, is
you know, maintaining the maintaining the greens and he gets

(06:57):
the golf all he wants. Well, it's not a bad life,
you know. That's what if that's what you're into. So
the whole idea here with the retirement is it's not
a giving up time. It's a fulfillment time. And your
planning should be focused. This is my view. Your planning
should be focused on this time of life. Yeah yeah, yeah,

(07:19):
we'll deal with the dead part later, okay, But we're
not dead yet. We still have a lot of life
to live and impoverishing ourselves in this process. We didn't
build it all up to throw it out the window. Okay,
we built it up so that it would serve us,
so it would serve our families, so that it would
serve things that we believe to be important. That's that's

(07:41):
the whole what's going on with this, This planning thing,
and the trusts and the wills, these are all tools,
all ways that help us to realize the vision of
what our life should be. Understanding that, understanding that along
with retirement, things we'd rather not think about, right, physical disability,

(08:04):
mental disability. You know, we're getting creaky, getting creakier. That's happening. Okay,
so what do we do about it? The answer is
we recognize it and we plan for it. We don't
allow the government to say, oh, yeah, yeah, you got
the Social Security, we kind of regret having given you that.

(08:27):
And you got the Medicare and we kind of regret
having given that. Haven't given you that. But when it
comes to long term care, right, we're not giving you
back any of your money for that. We're going to
do other stuff with your money. You see. It's like, yeah,
my Social Security, who paid in? You paid in? You
paid in, right, that's why you get it back. Medicare

(08:50):
you get something back medicaid. You don't get anything back
until your flat busted broke, simply because they can get
away with it. Well, don't let them get away with it.
You know, Let's keep let's keep working, living all the
rest of it. Through that, through the whole life. I mean,
why should retirement be all that different? Lots of differences,

(09:14):
but why shouldn't you be just as directed, just as
just as focused on what's important to you. Just just
because you're retired doesn't mean doesn't mean you need to
give it up. You don't need to. And that's what
this planning is designed to do, is to make sure
that you're okay, that your spouse is okay, that there

(09:37):
is something to leave on, because that is very important
and very important to leave something to that next generation
so that they can stand on the shoulders of giants
just as you did. That's really the that's really the
idea behind the planning. I paid in, right, I did
plan for this, you know, the government, through the democratic process,

(10:01):
right through these programs that I've paid for. Right, I've
handled that. Now, that's not to say that life shouldn't
be fun. Also, so coming up on June third, June third,
you got to mark your calendars for this June third,
that's a Tuesday. That's going to be our first baseball game.
We had such last year. We took the Red Wagon

(10:22):
Club and our other Life Plan members took them to
the to the ballgame, right out to White Caps and
it was such a good time. We're like, oh, let's
do that again. Oh sorry, everything's sold out, you know. Dang.
But so we're doing more of that and when we
get back, I'll tell you what's going on June third, though,

(10:43):
mark your calendar. Don't be doing anything else. I've been
listening to the David Carrier Show. I'm David Carrier, your
family's personal attorney. Welcome back to the David Carriers Show.
I have to remember there what the heck we were
doing here? Welcome back to the David Carriers Show. I'm
David Carrier, your family's personal attorney. Now every you know,

(11:04):
every month, we have this thing to see. Once you
get your back up seven seven four twenty four to
twenty four area code six one six seven seven four
twenty four twenty four, you don't have to listen to me.
You could listen to yourself by calling that number six
one six seven seven four twenty four, twenty four. I

(11:25):
meant to mention this in the first hour. I forgot
totally because we had caller. But anyway, so the problem
with one of the problems with doing the planning is
that you get a book of documents, all right, you
get a binder full of stuff, and you're like, oh boy,
I got that done. Finally I signed, did all that signing.

(11:46):
I'm done. And that's not true. Trust routinely fail because
they're not funded. Everybody knows this. A lot of people
seem to deny it for some reason, but anyway, it's
the reality that the trusts fail. I would say most
trusts fail. I think on our website we say ninety
six percent trust fail. I say that because somebody told

(12:11):
me that. Is it ninety six, is it ninety eight,
is it eighty seven? I don't know, but it's most
trusts fail, and you can't. I mean, that's consistent with
my lived experience. You know, the trust that I've seen
people doing. But when the trust failed, why does the

(12:32):
trust fail? Trust fails because it's not funded and there's
no follow through. You get this book of documents, you know,
it costs you something, and you know, and not an
insignificant amount of money, not an insignificant amount of money,
nowhere near what it should because they don't do anywhere
near what they should be doing when you're you're doing it,

(12:53):
my opinion, But the trust aren't funded, there's no follow through,
there's no follow up. Okay, So the question then becomes,
how do we how do we trick you into making
sure that your estate plan actually works? When nobody wakes
up in the morning and says, oh, you know, you

(13:15):
know it's going to really be great, Today's gonna be
a great day. I get to do my estate plan. Oh,
I mean I feel that way, of course, but nobody
else does. So what we have done in order to solidify,
in order to make sure that the work that you
did in creating your plan at first go right, in

(13:36):
order to make sure that it actually works, it's worth
the paper it's printed on is follow through and follow up? Well,
how do we get you to follow up? When you
know I get it? You tune in here every once
in a while hoping I'll forget my name. I only
occasionally do. And but I mean, like, who lives for

(13:58):
this stuff besides me? Nobody? So okay, good enough, But
I bet you. There are other things you like, baseball,
hot dogs, apple pie, and Chevrolet. Right, there's other things
that you like. And so what we've done and now
we're in our second year, really kind of third year,
depending on how you account of. We call it the

(14:20):
Red Wagon Club. And the idea is, once you've got
your documents done, you're not really done. Okay, they need
to be maintained. You need to have some consciousness of
this whole process, right when you're in retirement. All Right,
it's a big it's a big deal. It's not as

(14:40):
big as you know, is the boss having a bad day,
right or something like that. You know, like that, it's
not that big a deal, but it is. It's meaningful.
And so, like I say, in order to entice people
to do things that they don't want to do, we've
got the Red Wagon Club. And the idea here is
if we gave you enough fun stuff to do, Like

(15:01):
we've got a trivia ice cream social coming up this
week this week, and we did the trivia ice cream
because we had a chili cook off and in order
to liven things up, we you know, went around doing
trivia and you know, awarded valuable or not so valuable prizes.

(15:22):
But we're gonna be doing that again. Now. Would you
come and say, hey, let's listen to this guy yaka
yak about trust my trust or whatever. Probably not, But
if we mix ice cream and trivia in with it, well,
guess what then people will do it. And one of
the first things that we did was, besides the things

(15:44):
at Myer Garden and whatnot in the museum and stuff,
was that was very popular was the was the baseball game.
And so we wanted to do another one right away,
but we couldn't because the you know, too late right
snooze and lose. Well, we didn't know how it would be.
So our first one, first base. We're gonna do a
summer of baseball. So we're gonna do a red cap

(16:06):
red cap who white Caps is that. It's gonna be
June third, So mark your calendar. If you're read Wagon
club member, you'll be getting a postcard in the mail.
Everyone will be getting postcards. Don't throw it away. It's
really from us. If it's got my logo on it,
right then you know, and it's about baseball. Don't throw

(16:27):
it away, you know, give us a call and sign up.
And so, first of all of course Red Wagon club
members and then everybody else is also also invited to
the it's gonna be at white Caps, but we're also
doing one in Lancing because we got office well we
have office in Kalamazoo. But we are going to do

(16:50):
a road trip to Lancing and then back in every
month we're going to do one and then back in September.
Of course we'll be back at h at the ballpark
here at the White Caps and do that there. So
watch your mail. And really the idea here is that.
And I've never overheard people like really talking in depth

(17:12):
about oh, you know, I have a special needs trust here,
you know, I mean, people don't really get into that
too too much. So it's not terrible, but you are,
you know, if you come to the baseball game, or
to the classic car show or to the you know,
any of the other events we do, the museum or
the movies or whatever. Those are all things where you're

(17:35):
dealing with people who are very much like you, people
who very much have decided not to leave a mess,
right but first and foremost to live life to the
full while you're here. You worked hard enough for crying
out loud. Let's not throw the stuff out the window.
Let's make sure that everything's okay for you and for

(17:55):
your spouse, right, and once we've done that, which I
view as job one, which we've accomplished that, then we
can worry about other stuff. And so the bait and
switch here is, oh, come to a baseball game, and
we're gonna slip some trust stuff in on you, you know,
to make sure that you know, to make sure that

(18:16):
what you've what you've already accomplished, is secured by the
estate planning that you've already done. So we had almost
two hundred people last year. We're hoping to sell it out.
It's two hundred people at the President's rooftop or deck
or something. I don't know it's but it's two hundred folks.

(18:37):
And last year, you may recall, you had to get
there early for the cookout and then we went to
our seats right then, we had reserve seats. But apparently
at this one, the cookout starts half an hour before
the game and then goes on for another hour and
a half and you get to stay at the deck
the whole time. So that's that's a better deal than

(18:57):
last year. That's gonna be Its gonna be a lot
of fun. Hopefully no one will get hit by a
ball like happened last year. But that guy recovered fully,
recovered fully, So don't let that, don't let that slow
you down. You've been listening to the David Carrier Show.
I'm David Carrier, your family's personal attorney. Welcome back to
the David Carrier Show, where we bring you only the

(19:19):
most exotic music. That's taking me out to the ballgame
on a ukulele. At least that's what it sounds like anyway.
Six one, six seven some of them four twenty four
twenty four. That's the number to call. Six one, six
seven some them four twenty four twenty four. Now, if
you are a Red Wagon Club member, you don't just
call it the office or drop us a drop us

(19:41):
an email if you'd like to come with us to
the white Caps like you say, that's going to be uh, well,
we're looking to sell out. The last year we were
close to two hundred, but we've got two hundred tickets,
so it's you know, really nice seating all the rest
of it, and you know we're over. That's only about

(20:05):
if everybody wanted to come, they would only be room
for half of you, a little bit less than half.
So when you get that postcard, dial the number and
you know, sign up for the for the June sixth,
June sixth white Caps game against the Lake County Captains
or something like that. Anyway, who cares their suckers they're losers,

(20:25):
will win. And if we don't, you know, we got
what hot dogs? They have this thing on their main
menu's black bean burgers. I don't suspect my crowd is
going to be eating a lot of black bean burgers,
but anyway, they're there anyways, hot dogs, hamburgers, pull pork, potato, salad, chips,

(20:45):
all you can drink of lemonade. So it'll be it'll
be a good time. It's a good time last year,
looking forward to it again this year. So just give
us a call. Sign up Red Wagon Club members and
regular folks too. If you haven't joined Bread Wagon Club yet,
well you really should, but if you haven't, that's okay,
you're welcome. Also, just give the office a call for

(21:09):
all the details and you'll be getting those in the
mail anyway, So don't throw away the post. Guy. I
had more people who are like, oh, I just thought
it was another ad. It's like I try to make
them distinctive for crying out loud. Guys. Don't be throwing
don't be throwing those things away or from everybody else
with a lot of fun. Yeah, I know it was
a lot of fun and you could have been there,

(21:30):
but don't. Let's not make that mistake again. Six one, six, seven, seven,
twenty four, twenty four. That's the number to call if
you'd like to get your question. Comment her concern on
the air. We got an email here. What can I
do with mom's car? She has dementia and no POA.
Mom's in nursing home, can't drive anymore. Medicaid is pending.

(21:51):
Homesteader bills will be retro covered when she gets the Medicaid.
Well that's if she's been eligible right along. She has
no power of attorney, but I'm trying to get help
and manage things from long distance. She has an old
car that needs work, value under three thousand. She says,
I can have the car, but won't Medicaid prevent transferring ownership.
Medicaid will not. Medicaid doesn't care right in the sense

(22:17):
that they're not going to prevent you. But if you
do that if mom does give you the car, that's
going to be a devestment of three thousand dollars. And
so there'll be you know, you know what, ten days
or so that Medicaid's not going to pay not going
to pay for Mom, and then that gets a nursing
home up sete because now they're not getting paid and
all the rest. So and why don't we have a

(22:40):
power of attorney? I guess because we just didn't get
around to it. Okay, obviously that's a problem. I mean,
what are we supposed to do with this vehicle now?
You don't want to do a full fledged guardianship, I
wouldn't think. And now, see here's a good thing. It
used to be forever until this year it was two
thousand dollars is what you could have and be eligible

(23:03):
for the Medicaid. Well that's bumped up. It's over just
over nine thousand dollars now, okay, so that's good. Right.
So usually what we'd say is, well, you know, if
mom's got the converts the car to cash, it sells it,
then that's a problem because now she's got too much cash,
she's going to disqualify from the Medicaid. Well, I guess

(23:24):
the medicaid folks finally figured out that two thousand dollars
was a ridiculously low number, and so they bumped it.
I think what they just did was imply inflation. And
so it's like I said, it's over nine thousand dollars. Now,
so you got the how you got the car, but
you've got no authority to sell it? All right? What
authority do you have? You may be representative, You probably

(23:45):
are representative payee on the Social Security You may even
be the fiduciary if there were veterans benefits involved, all right,
but you don't have I'm judging from the email, you
don't have mom's power of attorney or guardianship or conservativeship
for her. So there's a thing called a protective order.

(24:09):
And protective order is when you don't need the full
fledged probate, okay, when you don't really need everything like
in mom's like in this case, okay, but you don't
have the authority to do anything either, and so you
just leave the car to rot, you know, abandoned, okay,
which doesn't help anybody. So what you would do, and

(24:30):
it's relative to everything everything's expensive, but relative to everything
else protective order is inexpensive. But what you do is
you go to probate court and you say, hey, judge,
I got this car over here that's worth three thousand.
Would you please give me an order to sell Mom's car,
sell the car and put the money in her account. Okay,

(24:52):
so fairly straightforward. You should be able to get that
through Secretary of State. Then you sell the car for
whatever you can sell for, and away you go. All right.
So that would be the thing here. Don't now if
there was a house, if there were other assets, which
of course there may be. Now we're getting now you've
got to get deeper into it. Okay, but just for

(25:15):
the just for the vehicle, you could get a protective
order be one way, one way to uh one way
to do that. Let's see, mom has a transfer on
death deed on her house. I'm beneficiary. Mom needs to
go to assist a living. When she goes to assisted living,
she wants to move in her place, pay her rent? Whoop,
she's or take over the house. Went on, there's no mortgage.

(25:37):
What's the best way to handle this? Moving? Now? Should
I pay rent? Put in my name? We do it.
They shouldn't put it in your name, do a quick
claim deed? Would I have to pay gift tax? No,
she runs out of money four years down the road,
could medicate take her home from me or make me
sell it? Well, I guess the question is does mom
really have four years of four years of money to

(25:59):
pay for the long term care? You know, that's kind
of the question. If she does, that kind of opens
up other possibilities and from you know, you know, you
wonder when you read these things whether people understand just
how expensive it is a long term care. Because he's

(26:19):
saying if she runs out of money four years down
the road, four years down the road is fifty months,
five zero months. What does it cost to be in
a nursing home for a month? One thousand dollars? That'd
be fifty thousand, ten thousand dollars. That's a lot closer.
So you're talking half a million dollars, right, to make
it four years in a long term care facility, you
got to have half a million dollars. And you know,

(26:42):
if and that's that's kind of average, right, it might
be a little bit less, might be a little bit
less if it's independent living. But we're saying mom needs
to go into assisted living needs. What does that mean?
It means she can't care for herself. It means she's
got to get for that. What we would do, seriously,

(27:04):
is we'd figure out, well, what is the nature of
this need? Why do you say mom needs to? Well,
you know she's not feeding, you know, she's not being socialized,
blah blah blah. You know, there's various reasons. She's got
some dementia. Okay, Well, what about my favorite program of
all time, the PACE program? What about program of all
inclusive care for the elderly? I bet you mom doesn't

(27:26):
want to go into the nursing home. Okay, She's got
maybe half a million dollars, which which would indicate that
she doesn't have to. I'm just guessing how much she's got.
But you're saying four years, fifty months. I mean, what
do you think? I mean, it depends on what the
kid the letter writer here thinks it actually costs to

(27:47):
be in an assisted living especially see, and here's the
other thing with assisted livings. You know, it looks like
it's going to be inexpensive because I got people saying, oh,
you said it was ten thousand dollars. There's no way.
I mean they told me it was five thousand dollars
a month. Well, the five thousand a month is if
you're basically taking care of yourself, right, and then what

(28:08):
you always want to do is figure out, based on
your loved ones situation, right, what are the extras? What
are the monthly extra charges? Is she level A, okay? Five?
Is she level B C D? You know some of
them have ten different levels, and then add ons to that.
So when you're looking at a long term care facility,

(28:29):
you really need to look at what does it actually
cost to have your actual loved one in the facility.
And it might very well be because my experience is
usually is that the at home care of Pace, where
they come five days a week and they do all
the meds and all the rest of the stuff, come
pick you up, take care of the senior center is

(28:51):
a much better way. Frequently is a much better way
to go because they didn't want to leave home anyway.
They wanted to stay at home. Well that's what Pace offers.
Way to stay at home, come to the baseball game,
you know, why not? But you don't have to be
Whenever you're thinking assisted living or skill nursing or any

(29:11):
of this stuff. You really need to say, why do
we need it? Is it because of dementia? Is it
because they're not safe at home? What is it exactly
that's going on? Because there might be a solution where
you get to stay at home, stay in your own home,
die at home, which is a big deal for a
lot of folks. You want to stay at home, cool,

(29:33):
here's the program that will enable you to do that.
My experience has been that most people who think they
need a residential care facility don't actually need it. What
they need is some help. That's what Pace says. You've
been listening to the David Carrier Show. I'm David Carrier,
your family's personal attorney. Welcome back to the David Carrier Show.

(29:54):
I'm David Carrier, your family's personal attorney. Now, remember if
you're a Red Wagon a member of Baseball June third,
be there or don't be there. If you'd like to
become a Red Wagon club member, If you'd like to
see what this is all about, come to one of
our workshops. These are the workshops we do every week.
The Good Lord brings and twice on Sundays, not just

(30:17):
giving up the Sunday part, but we do them in
Grand Rapids, Holland, up in Muskeganton Shores and of course
down in down in Portage. So very easy to get to.
Just go to the website Davidcarrier Law dot com. Now,
if you go to the website Davidcarrier lawd dot com
and you leave it up for just a couple of seconds,

(30:39):
you know, just I don't know, twenty seconds something like that,
there will be a pop up. And now you've heard chap.
Maybe you've used I don't know, maybe use chatbots before.
But the problem with a chatbot is they don't chat
at you very much. What they do is they they say,
give me your name and address and your mother's made
name and all the rest of that, and maybe we'll

(30:59):
have someone called.

Speaker 1 (31:00):
Yeah.

Speaker 2 (31:00):
Well, if you wanted to get a phone call, you
wouldn't be using the computer anyway, would you. So what
we've done is this. It's an AI artificial intelligence artificial
intelligence thing where if you ask it sort of a
free form question, it'll give you some good information. Now
it will. It will tell you about the workshops. Yes, indeed,

(31:22):
it will tell you about the workshops. And if you
just want to know about the workshops, just say I
just want to know about the workshops. That's fine. But
if you go to the website, you don't have to
go clicking all around the place wait for that thing
to pop up and say I want to see videos
or I'm interested in this or that, and it's remarkable.
It's remarkable. Just just put it that way. How accurate

(31:47):
this stuff is. I mean, it's really I think it's
really cool, and I encourage you to go ahead and
just give it a try. You might like it, try it,
you mightnk it. And that's the AI thing that pops
up and you can there are a number of questions
that are already in it. And if well, there's the
thing though, if you have a pop up blocker on,
you might have to do hit controllers. So I don't know,

(32:10):
you have to do something so you can see it.
But if it's not popping up, that might be there.
That might be the reason. But it seems to work
on all the all the different browsers that you know,
Firefox and whatever the Google one is and Microsoft one
and all the rest of themselves. But I do encourage
you to to give that a try. Okay, so that's uh,

(32:31):
you know, before we do this two hours. I gotta
I gotta make sure I at least mentioned this stuff.
So that's the work jobs. That's a baseball game. We're
all good too, All good to go. I want to
do another I want to do another email? Here, Sure,
let's do another email. What happens to medicare coverage for
nursing home care if assets are given a family members.

(32:53):
I'm the daughter who cares for dad in my home.
He has Medicare and trycare. Oh so he's a military vet.
I was recently an accident total my vehicle. I have
to have a dependable car for dad's medical appointments. He's
eighty nine, cannot drive. Because of this, he paid for
a new vehicle. I'm unable to finance my own because
of credit issues. Well, simply just put it in dad's name.

(33:14):
Put it in dad's name with you as an additional insured. Okay.
And there's a very simple form where when dad dies,
it's sort of like a when Dad's gone, you get
the vehicle, doesn't have to go to all the siblings,
doesn't have to go through probate. Very simple kind of thing.
That's what you should do, you know, why not? If now,

(33:37):
if people are giving away assets, then medicaid won't pay
now and titled assets count, but nobody cares. See, here's
the deal. People have all kinds of stuff, from china
to furniture to whatever. And you know where most of
that stuff winds up the landfill because your kids don't

(33:59):
want your couch and your kids don't want the china.
Can't tell you how often that's an issue. You know, people,
you know, it's not like it's not beautiful stuff. It's
beautiful stuff. Okay, i'n't seen some of it, you know,
on the way to Goodwill, But the kids don't want
it because they don't use it. You didn't even use it,

(34:20):
you know, you brought it out of Thanksgiving. That was
about it, right, right, So that's a that's anyway. The
point is that most of this stuff winds up in
the dumpster, right and goes to the landfill. Now, if
you've got somebody who actually could use it, college student maybe,
or somebody starting out, or it's just really beautiful stuff

(34:41):
and you want to hang on to it, Medicaid has
no problem if you throw it away. Okay, well, what
if you want dumpster diving? You know, I mean the
what I've been told repeatedly by multiple folks over at
Human Services, the caseworkers, what not. You know, nobody really

(35:03):
cares what happens to the furniture or the stuff and
the house or whatever. Now if what we're talking about
are you know those solid gold Olympic medals. You know
I'm not talking about that, Okay, I'm going to talk
about things of independent value. What we're talking about are
the usual kind of things you know that you might

(35:24):
give away. Now, that's not the question here. The question
here is what if dad buys me a new car.
That's a problem. That's a problem because they're going to
look at that and they're going to say, oh, Dad
should not have bunched a new car because he spent
what's a new car go for nowadays? What's the average
like forty some one thousand, right, forty five forty six thousand.
I have to look that up for you, but anyway,

(35:44):
it's it's a ridiculous amount of money. It's a lot
of money to buy a new car these days. So
but what if that didn't buy the car? And the
issue is do you have a vehicle to get him
to his medical appointments? Fine, let dad own the car.
All right, you can drive it, get on the insurance
as an additional insured Boom, You're done. You've been listening
to the David Carrier Show. I'm David Carrier, your family's

(36:07):
personal attorney, reminding you if you're a Red Wagon club
member or an existing client, June third market on the calendar,
that's our first baseball game, which is going to be
a Summer of Baseball. Every month we're going to do
another game. And yes, what does that mean? That means like,
in August, are we going to have the car show
and a baseball game? Yeah? Right, So in July are

(36:29):
we going to go to the museum and go to
a baseball game? Yeah? In junea it's just a baseball game,
but we're still going to be doing the other stuff.
I mean, but I just thought it'd be fun and
it's in frankly, it's a lot less work than most
of the stuff that we do to do the baseball game.
So there, I mean, it's not no work, but a

(36:50):
thought less So that's why we're Summer of Baseball. If
you're a Red Wagon club member or if you're just
a regular client, you'd like to come along, we can
set you up no problem. Give us a call at
the office and if you'd like to know how to
do that, just go to the website Davidcarrier Law dot com.
That's David Carrier Law Law dot com and we will

(37:12):
see you at the ballgame again. You've been listening to
the David Carrier Show. I'm David Carrier, your family's personal attorney,
inviting you to one of our three Secrets workshops. These
are the workshops we do all the time. You're wondering
where they are when they are, well, they're all the time,
right and everywhere. Easy to find out though, just go
to the website Davidcarrier Law dot com. Ask the AI expert.

(37:36):
They'll sign you up.

Speaker 1 (37:37):
You've been listening to the David Carrier Show. A lively
discussion addressing your questions and concerns, but not legal advice.
There is a big difference, so when making decisions that
affect your family, your property, or yourself, the best advice
is to seek good advice specific to your unique needs.
If you missed any of today's show, or would like
additional information about the law offices of David Carrier, please

(37:59):
visit Davioncarryerlaw dot com.